Posts Tagged ‘mortgage’

My lack of posting began shortly after we got an offer on our house back in Michigan, mostly because nearly all my free time was spent on the phone with either the mortgage company or Fannie Mae or the retirement people (we also had houseguests in there somewhere). The counteroffer which was accepted was considerably lower than what we’d paid for the house and we were pretty upside down on the mortgage. We applied for a short sale – where the bank accepts the offer and we all walk away clean – and it was mostly a nightmare. This experience has convinced me that we will never have functional health care.

I was told in not so many words by the folks at Fannie Mae that because our house wasn’t already in foreclosure, we weren’t a priority for help. This was, of course, ONLY after I had submitted my paperwork no less than three times in two weeks- because they kept saying they didn’t have it, even after a confirmation email from a specific employee on the 2nd occasion telling me he’d gotten it all. I’d made several phone calls and found exactly one helpful employee (the aforementioned dude). I DID have a spectacular runaround, including ONE employee who began to argue with me when I requested to speak to a supervisor. She was telling me why I wanted to speak to one and that they couldn’t help me. The third time, I finally said “I don’t CARE what you think, put a fucking SUPERVISOR on the phone.” Having done a shit phone job, I generally do not lose my temper with those folks. On the other hand, they don’t generally ARGUE.

Oddly, the supervisor was able to answer some questions. Which is when I found out that because we’d been responsible and kept paying our mortgage, we were going to take the entire shaft, sans lube, right in the ass. Thanks so much. If Fannie Mae can’t keep track of THEIR paperwork, we have NO HOPE of having a functional national healthcare system which – by definition – will require a much larger amount of paper and customer service.

We gave up on Fannie Mae after that and set about scraping together the funds needed to get the hell out from under the place. Paying two mortgages has NOT been fun. But someone bought it, I flew home to sign the paperwork and hand over the last of the keys, and we are now and forever shut of Saginaw, Michigan. We couldn’t be happier.

While in Michigan I seem to have developed something of an earache which is, apparently, not an infection. I pick up medication tomorrow.

I got to see some of the family back in MI, which was nice. Everyone seems to be doing well. I’d forgotten that mosquitos can be as big as my thumbnail though. We haven’t seen any up here yet, which is perfectly fine by me. The weather has been great, as usual. The last couple of days have had a bit of rain which is interesting because it doesn’t LAST, including the water on the ground.

Our anniversary is coming up next week (9 years!) and we got each other a sweet anniversary gift to help take the sting out of the house fuckery. Details on that later.

I start classes in a couple of weeks and it sounds like Spouse is planning a House Project. We’ll see how far that gets.